Property Insurance Solutions

Comprehensive protection for your assets against unexpected risks and damages.

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Property All Risks (PAR) Insurance

Broad coverage protecting your property against most risks

This type of insurance provides coverage for a wide range of risks that may cause damage to or loss of property.

Unlike other insurance policies, it covers all risks unless they are specifically excluded in the policy.

Designed to provide protection against a wide range of unexpected events.

Includes fire, theft, vandalism, and natural disasters.

Can be customized to suit the insured's needs.

Suitable for both residential properties and commercial buildings.

Fire Insurance Policy

Focused protection against fire-related losses

Provides coverage for losses or damages caused by fire only.

In the event of a fire, financial compensation is provided to the insured.

Helps compensate for losses resulting from property damage.

Can be purchased as a standalone policy.

Or as part of a broader property insurance package.

Primarily focused on fire-related risks only.

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FAQ's

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Essential information for businesses considering property insurance coverage.

What does property insurance typically cover in Egypt?

Property insurance in Egypt typically covers physical damage to your buildings, contents, machinery, and stock caused by fire, explosion, theft, natural perils, and other specified risks. Policies can be extended to include business interruption, machinery breakdown, and electronic equipment coverage.

How is the sum insured calculated for my property?

The sum insured should reflect the full reinstatement value of your property — the cost to rebuild or replace it at today's prices, not the market value. We help you carry out a proper valuation to avoid underinsurance, which can significantly reduce claim payouts.

Does property insurance cover flood and earthquake damage?

Standard property policies typically exclude flood and earthquake. However, these can be added as extensions to your policy.

What is the difference between market value and reinstatement value?

Market value is what the property would sell for today, which factors in depreciation. Reinstatement value is the full cost to rebuild or replace using new materials at current prices. Property insurance should ideally be based on reinstatement value to ensure you can fully restore your business after a loss.

Can I insure rented or leased premises?

Yes. Tenants can insure their business contents, improvements made to the premises, and take out business interruption coverage. Landlords can insure the building structure itself. We can advise on the right split of coverage between tenant and landlord responsibilities.